Monroe County property record for 7 Shady Oak Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,110 sqft · built 1987 |
| Lot Size | 3.88 acres (169,013 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,318 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-35-333-028-000 |
| Primary APN | 07-35-333-028-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,110 sqft Living Area |
| 1st Floor Area | 2,110 sqft |
| Basement Area | 1,390 sqft |
| Unfinished Basement | 1,390 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 169,013 sqft (3.88 acres) |
| Garage Area | 528 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 460 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 85 sqft |
| Deck Area | 476 sqft |
| Patio Area | 828 sqft |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 7 SHADY OAK LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-2106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 28 WEST LAKE ESTATES PHASE 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 35 |
| Legal Subdivision | WEST LAKE ESTATES |
| Legal Lot Number | 28 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 27 |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 600501 |
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7 SHADY OAK LN, WATERLOO, IL 62298-2106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 7 SHADY OAK LN, WATERLOO, IL 62298-2106 |
| Document Number | 0000408141 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7 SHADY OAK LN WATERLOO IL 622982106, WATERLOO, IL 62298-2106 |
| Document Number | 0000408141 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 408141 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 21, 2035 |
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,318.00 (+5.61%) Homeowner's exemption | $142,080 (+21.5%) Land $29,860 Building $112,220 | $426,240 (+21.5%) Land $89,580 Building $336,660 |
| 2024 | $7,876.00 | ||
| 2022 | Additional exemption filed | $116,940 Land $30,990 Building $85,950 | $350,820 Land $92,970 Building $257,850 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 8 (1993) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Aug 1993 · Severe Storms & Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERLOO serves 10,190 people · EPA ID IL1330300 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 30 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
May also be available: Wisper ISP.
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